Personal Auto PolicyQuestion 14 of 474
An insured's parked vehicle is broken into overnight; a window is smashed and a laptop is stolen from the back seat. Under the Personal Auto Policy, the broken glass is paid under which coverage?
a.Liability (Part A), which pays only for damage the insured causes to property owned by others
b.Medical Payments (Part B), which pays medical expenses of the insured and passengers regardless of fault
c.Collision
d.Other Than Collision (Comprehensive)
Explanation
Glass breakage and theft of the vehicle (or vandalism damage to the vehicle) are classic Other Than Collision (Comprehensive) losses under Part D. Note that the laptop is personal property, not part of the vehicle, and would not be covered by the auto policy at all — it would fall to a homeowners or renters policy.
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Related questions on this topic
- An insured carrying $100,000/$300,000 UIM limits is injured by an at-fault driver carrying only $30,000/$60,000 in liability. The insured's own medical and wage loss exceeds $80,000. Under California UIM, what must occur before the insured can collect from her own UIM?
- Which coverage in the Personal Auto Policy is a first-party, no-fault coverage that pays reasonable medical expenses for the insured and occupants regardless of who caused the accident?
- Who is automatically included as a named insured on a Personal Auto Policy by definition, even if not separately listed on the declarations page?
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